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SS&C Loan Management Software from SS&C Technologies
Integrated solution for managing loans and relationships that automates workflows, improves reporting, and ensures compliance with both regulatory requirements and company policies.
Product analysis by function
Corporate Lending Systems for Corporate Banking
Platforms for managing the entire corporate loan lifecycle from origination to servicing and collection.
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Loan Origination
(11 Yes /11 Known /12 Possible features)
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Automated Application Processing Ability to accept and process loan applications electronically. |
Product advertises digital loan workflows with automated loan application acceptance and processing. | |
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KYC/AML Integration Automatic customer verification and anti-money laundering screening during origination. |
Regulatory compliance for KYC/AML is highlighted, with automation during onboarding and origination. | |
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Credit Scoring Engine System includes automated tools to assess client creditworthiness. |
Automated credit risk analysis and scoring are called out in product descriptions and marketing materials. | |
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Document Management Electronic storage and management of supporting loan documents. |
Document management and secure electronic repository are listed as key features. | |
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Workflow Automation Automated routing of applications for approvals and compliance checks. |
Automated workflows are a cornerstone feature according to product overview. | |
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Multiple Product Support Support for multiple loan types (term loans, revolving credit, etc.) in a unified workflow. |
Supports various loan types and custom product configurations in one platform. | |
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Real-time Status Tracking Applicants and internal users can track loan application status in real-time. |
Real-time application status tracking available for both internal and external users. | |
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Bulk Applications Support for processing multiple loan requests concurrently. |
Described as able to process batches and bulk loan applications for institutional lenders. | |
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Multi-stage Approval Configurable steps and participants in the origination process. |
Configurable, multi-stage approval flows are part of the automated workflow feature set. | |
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Turnaround Time Average time to process a new loan application from start to decision. |
No information available | |
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Application Data Reuse Reuse of customer data across multiple applications. |
Application data reuse is discussed in context of improving customer experience and efficiency. | |
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E-signature Support Ability for applicants and approvers to sign electronic documents. |
E-signature support promoted for fully digital workflows and customer convenience. |
Credit Assessment & Risk Management
(10 Yes /10 Known /12 Possible features)
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Automated Credit Analysis System performs automated financial and risk assessments on corporate clients. |
Automated credit analysis and financial spreading are available, per product documentation. | |
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Portfolio Risk Aggregation Aggregates and analyzes risk exposure across all loans in the portfolio. |
Portfolio-level risk aggregation and dashboards described in reporting/analytics capabilities. | |
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Custom Risk Models Ability to configure and deploy custom risk and scoring models. |
Product allows for custom risk models which can be tailored to client policy. | |
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Limit Management Set, monitor, and enforce exposure limits by client and portfolio. |
Exposure and limit monitoring by client and portfolio are embedded in compliance/risk monitoring. | |
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Stress Testing Simulate impact of adverse scenarios on portfolio risk. |
No information available | |
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Collateral Management Track, value, and monitor collateral pledged against loans. |
Collateral management is a core module, with tracking, valuation and reporting. | |
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Early Warning Indicators System generates alerts for deteriorating risk profiles. |
Early warning indicators are available to meet risk/compliance requirements. | |
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Concentration Risk Analytics Tools to monitor concentration by sector, geography, or borrower. |
Concentration analytics tools described in portfolio monitoring capabilities. | |
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Automated Financial Spreading Automation of financial statement data extraction and analysis. |
Financial spreading and automation referenced in credit and risk module. | |
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Credit Review Frequency Number of automatic credit reviews triggered annually per exposure. |
No information available | |
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Third-party Data Integration Links to external data sources for company ratings, news, or regulatory data. |
API-based data integration with market and credit rating providers is part of the suite. | |
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Risk Reporting Real-time reporting and dashboards on risk levels and metrics. |
Risk dashboards and reports are central to system design. |
Loan Administration & Servicing
(11 Yes /11 Known /12 Possible features)
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Repayment Schedule Management Automated calculation and enforcement of repayment schedules. |
Automated repayment schedules and management available, with system-driven enforcement. | |
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Automated Interest Calculations System auto-calculates interest due, compounding, and adjustments. |
Interest calculation (including compounding and adjustments) is automated. | |
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Flexible Payment Structures Support for bullet, amortizing, step-up/down, or custom schedules. |
Multiple payment structures, including custom and standard, are supported. | |
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Fee Management Configuration and automation for origination, servicing, and penalty fees. |
Originating, servicing, and penalty fee management is automated, according to marketing. | |
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Automated Payment Processing Automatic posting of repayments from clients’ accounts. |
Automated payment processing is a core administrative function. | |
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Payment Allocation Rules Flexible, rules-based allocation of repayments to principal, interest, and fees. |
Product provides configurable rules for payment allocation. | |
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Loan Modification Support Capability to restructure loans due to covenant breaches or renegotiations. |
Loan modification and restructuring is supported for workout, covenant breach, or negotiation. | |
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Delinquency Management Automated tracking and alerts for overdue payments. |
Delinquency management described in product brochure—includes automated alerts. | |
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Prepayment Processing Automated recalculation if borrowers pay early. |
Prepayment and its effect on schedules and fees are automated and supported. | |
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Account Statements Generation and distribution of periodic account statements. |
Account statement generation and digital distribution are listed in features. | |
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Servicing SLA Target turnaround time for standard servicing tasks. |
No information available | |
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Multi-currency Support Ability to administer loans in multiple currencies. |
Multi-currency management for lending and collateral is documented. |
Covenant & Compliance Monitoring
(10 Yes /10 Known /12 Possible features)
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Covenant Definition & Tracking Configurable management and monitoring of financial and non-financial covenants. |
Covenant management and tracking is part of compliance monitoring. | |
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Automated Covenant Testing System routinely tests borrower performance against set covenants. |
Automated covenant testing featured in system compliance capabilities. | |
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Real-time Alerts Immediate notification of breaches or potential breaches. |
Real-time notifications and escalation alerts supported for exceptions and breaches. | |
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Regulatory Compliance Checks Assesses and tracks compliance with banking regulations. |
Regulatory compliance checks described as automated and audit-traceable. | |
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Audit Trail Comprehensive logging of changes and monitoring activity. |
Comprehensive audit trails described, supporting both IT and regulatory audits. | |
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User-defined Covenant Triggers Custom triggers for specific client or loan requirements. |
No information available | |
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Exception Tracking System captures, tracks, and reports covenant breaches or waivers. |
Exception tracking built into covenant and compliance management. | |
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Automated Remediation Workflows Initiates workflows for breach remediation or escalation. |
Automated escalation workflows for breaches or exceptions are configurable. | |
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Compliance Testing Frequency How often automated compliance checks are performed. |
No information available | |
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Regulatory Reporting Integration Direct integration with required regulatory reporting systems. |
Regulatory reporting integration referenced by mention of support for compliance reporting and regulator submissions. | |
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Covenant Document Repository Centralized repository for all covenant and compliance documentation. |
Centralized covenant and compliance documentation repository supported. | |
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Multi-standard Support Supports diverse compliance regimes (IFRS, Basel, local requirements). |
IFRS, Basel and other regulatory/compliance requirements supported across global clients. |
Collateral & Security Management
(8 Yes /8 Known /12 Possible features)
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Collateral Register Central system for registering and describing all collateral types. |
Collateral register, including collateral catalog, is a documented platform module. | |
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Automated Collateral Valuation Periodic automatic valuation of pledged assets. |
No information available | |
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Lien Tracking Records and tracks legal claims on collateral. |
Lien and legal documentation tracking part of collateral management module. | |
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Collateral Shortfall Alerts Alerts if collateral coverage falls below required thresholds. |
No information available | |
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Revaluation Frequency Frequency of automated collateral revaluation. |
No information available | |
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Third-party Valuation Integration Links to external collateral appraisers or valuation data. |
Product APIs enable the use of third-party collateral valuation services. | |
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Margin Call Automation Automatically generates and communicates margin calls. |
No information available | |
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Collateral Release Workflow Automated process for collateral release on loan repayment or upon agreed events. |
Collateral release workflows mentioned in description of end-to-end collateral management. | |
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Concentration Monitoring Monitors concentration of certain collateral types or issuers. |
Concentration monitoring across collateral types built-in for institutional risk management. | |
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Deficiency Coverage Calculation Monitors whether current collateral covers outstanding exposure. |
Product reports on collateral sufficiency and shortfalls. | |
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Legal Documentation Management Electronic repository for legal agreements and registration evidence. |
All legal documentation for collateral and loans managed electronically. | |
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Multi-currency Collateral Support Ability to track collateral valued in different currencies. |
Supports multi-currency assets in collateral management. |
Pricing, Fees, and Product Configuration
(9 Yes /9 Known /12 Possible features)
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Rule-based Pricing Engines Configurable pricing models for different loan products and segments. |
Rule-based and configurable pricing engines are part of product configuration. | |
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Multi-tier Fee Structures Ability to support tiered and negotiated fees. |
Product supports multi-tier, negotiated and tiered fee structures. | |
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Automated Fee Calculation Calculation and application of applicable fees. |
Fee calculation and application is automated and configurable. | |
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Dynamic Pricing Capabilities Pricing can automatically change based on market or risk conditions. |
No information available | |
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Interest Rate Type Support Support for fixed, floating, and hybrid interest rate loans. |
Supports fixed, floating, and hybrid rates for loans. | |
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Benchmark Rate Integration Automatic reference to external rate indexes (LIBOR, SOFR, etc). |
Supports LIBOR, SOFR and other external benchmarks for pricing. | |
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Fee Collection Automation Automatic deduction of fees from disbursement or repayments. |
Fee collection is automated on disbursement and repayment schedules. | |
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Custom Product Variant Creation Ability to create and manage custom product definitions. |
Custom product variants are supported and configurable. | |
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Volume Pricing Support Automated pricing adjustments based on portfolio or client volume. |
No information available | |
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Product Catalog Management Centralized repository and management for all loan product variants. |
Centralized product catalog management is part of platform administration. | |
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Minimum/Maximum Pricing Guardrails System-enforced minimums and maximums for pricing inputs. |
Pricing controls with minimum and maximum guardrails are described under risk/compliance. | |
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Pricing Approval SLAs Maximum time for pricing approval workflow completion. |
No information available |
Customer & Relationship Management
(9 Yes /9 Known /12 Possible features)
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360-degree Client View Comprehensive, real-time summary of all client exposures and touchpoints. |
"360-degree" client view and unified relationship management are called out in marketing copy. | |
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Contact & Relationship Hierarchies Support for complex client and group structures, including subsidiaries and parent entities. |
Supports client and entity hierarchies, such as group structures. | |
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Interaction Tracking Logs and manages all client communications and meetings. |
Interaction and meeting tracking integrated as part of client management. | |
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Loan History Access Instant access to complete loan, transaction, and document history. |
Complete loan, transaction, and document history instantly accessible. | |
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CRM Integration Connectivity to external CRM systems (Salesforce, Microsoft Dynamics, etc). |
References to Salesforce, Dynamics, and other CRM connectivity. | |
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Client Risk Profile Tracking Monitors and displays real-time risk indicators for each client. |
Client risk profiles tracked alongside relationships and product usage. | |
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Customer Data Update Tracking Audit trail on all client data changes. |
All client data changes tracked for audit purposes. | |
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Automated Contact Reminders Automated follow-ups or notification workflows for relationship managers. |
No information available | |
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Document Upload and Sharing Clients and staff can upload and access shared documents securely. |
Secure document upload and sharing supported for all parties. | |
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Client Segmentation Ability to segment and target clients based on defined criteria. |
No information available | |
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Client Onboarding SLA Average onboarding time from application to activation. |
No information available | |
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Self-service Portal Customer access to view status, download documents, and submit requests. |
Self-service portals for borrowers are referenced in digital client experience. |
Reporting & Analytics
(11 Yes /11 Known /12 Possible features)
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Ad-hoc Report Builder User-friendly interface to build custom reports. |
Users can build custom and ad-hoc reports through interface. | |
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Scheduled Reporting Automated scheduling and distribution of standard and regulatory reports. |
Scheduled and automated reporting and distribution highlighted as a reporting feature. | |
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Portfolio Performance Dashboards Visual dashboards for real-time KPIs and metrics. |
Portfolio dashboards for KPIs and metrics available in system. | |
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Data Export Support Export data in common file formats (CSV, Excel, PDF). |
Supports export to CSV, Excel, PDF, and other formats. | |
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Regulatory Reporting Templates Pre-built templates for regulatory submission requirements. |
Regulatory reporting templates/support referenced for compliance departments. | |
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Exception and Outlier Analytics Automated highlighting of transactions or exposures outside normal parameters. |
Analytics module supports exception/outlier highlighting and analysis. | |
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Trend Analysis Tools Tools for analyzing portfolio and client-level trends. |
Trend analysis and visualization tools described on reporting feature summary. | |
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Automated Data Reconciliation System auto-matches and reconciles reporting data with source systems. |
Automated reconciliation of reporting and source data stated under control features. | |
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Interactive Visualization Support for interactive graphical analysis (charts, heat maps, etc). |
Interactive visualization with dashboards and graphical drill-down supported. | |
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Report Generation Speed Average time to generate standard reports. |
No information available | |
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User Security on Reports Role-based access controls for sensitive report viewing. |
Role-based access control for reports described in security features. | |
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Integration with BI Tools Native or API-based connectivity to external business intelligence tools. |
API and BI tool integration is available per technical specifications. |
Integration & Interoperability
(11 Yes /11 Known /12 Possible features)
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Open API Framework Comprehensive suite of documented, secure APIs for connectivity. |
Open documented API suite available for client integrations. | |
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Core Banking Integration Real-time or batch connectivity to core banking and accounting systems. |
Real-time and batch integrations with core banking systems are supported. | |
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Third-party Data Feeds Consume data from market data providers, credit bureaus, etc. |
Supported for credit bureaus, market data, external feeds via APIs and file loads. | |
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Syndicated Loan System Integration Supports data exchange with loan agency and syndication platforms. |
Integration with syndicated lending platform is available. | |
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Bulk Data Import/Export Support for efficient, large-scale data import and export. |
Large batch data import/export supported, including full data migrations. | |
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Real-time Webhooks System issues real-time notifications of key events to external systems. |
Webhooks and other notification methods supported for key events. | |
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Batch Processing Time Duration required to process a standard data integration batch. |
No information available | |
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Out-of-the-box ERP Integration Connectors for SAP, Oracle, or similar ERP systems. |
ERP connectors and API support indicated for large clients using SAP/Oracle. | |
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Digital Bank Connectivity Direct digital channels for customer self-service integration. |
Digital bank/channels integration mentioned in the description of self-service module. | |
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Integration Monitoring Tools Dashboard and alerting for data integration status and failures. |
Integration and workflow monitoring/alerting supported. | |
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SSO with Identity Providers Single sign-on with enterprise identity solutions. |
Single sign-on integrations with enterprise IdPs are observed in technical documentation. | |
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Data Transformation Support Rules for mapping and transforming incoming and outgoing data. |
Supports inbound and outbound data transformations as part of integration. |
Security & Access Control
(9 Yes /9 Known /12 Possible features)
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Role-Based Access Controls (RBAC) Granular access permissions configurable by user roles. |
Role-based access control and permissions management customizable by user role. | |
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Multi-factor Authentication Users must authenticate using more than one factor (e.g., password + OTP). |
Multi-factor authentication supported for secure access. | |
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Data Encryption in Transit All data exchanged between systems is encrypted during transmission. |
Described as encrypting all data in transit. | |
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Data Encryption at Rest Sensitive data in storage is encrypted. |
Data at rest is encrypted per the security specifications. | |
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Audit Logging All significant system and user actions are logged for review. |
Full audit logging for user and system actions referenced. | |
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Privilege Escalation Controls Processes for temporary or emergency access escalation are tightly controlled. |
No information available | |
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User Access Audit Frequency Number of system-automated access reviews per year. |
No information available | |
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IP Whitelisting Restrict access to the system from defined IP address ranges. |
IP whitelisting available for secure enterprise deployments. | |
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Session Timeout Settings Configurable timeout for inactive user sessions. |
Session timeout is configurable within access control policies. | |
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Data Masking Sensitive data is masked in the UI for users without full privileges. |
Data masking and access by privilege is highlighted as a privacy measure. | |
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Intrusion Detection Integration Connectivity to bank’s intrusion and anomaly detection services. |
Intrusion/anomaly detection integration available for large enterprise clients. | |
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Disaster Recovery RTO Target maximum Recovery Time Objective for disaster recovery. |
No information available |
Usability & User Experience
(9 Yes /9 Known /12 Possible features)
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Responsive UI Design Interface is user-friendly and adapts to various device screens. |
Responsive UI design is referenced for desktop and tablet compatibility. | |
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Configurable Dashboards Personalized landing pages and widgets. |
Dashboards/configurable landing pages supported per user role. | |
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Search & Filter Tools Advanced search and filter across all customer and transaction records. |
Advanced search/filter tools available across all modules. | |
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Bulk Action Support Users can perform actions on multiple records simultaneously. |
Bulk action support offered for operational efficiency. | |
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Accessible UI Compliance with accessibility standards (WCAG, Section 508). |
No information available | |
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Localization Support System can be translated into multiple languages. |
Multi-language and localization described for global clients. | |
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User Onboarding Wizards Step-by-step helpers for new user setup. |
Step-by-step onboarding wizards for new users and new client onboarding. | |
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Performance Metrics Average page load speed for core workflow screens. |
No information available | |
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In-app Help & Tutorials Contextual support and guides embedded in the system. |
Contextual in-app help, FAQs, and tutorials provided. | |
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Customizable Menus Users can rearrange and prioritize menu items and shortcuts. |
No information available | |
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Notification Preferences Users can configure alert and notification settings. |
Notification and alerting preferences are user-configurable. | |
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Mobile Device Access Core workflows are usable from mobile devices and tablets. |
Mobile and tablet access supported for core workflows. |
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